Sunday, May 11, 2014

A Mother’s Day Tale: The Sloped Cake

When my older sister, Terri, and my younger brother, John,
and I were all young, we would do our best to plan out a Mother’s Day
celebration. Our mother worked hard, and we wanted each Mother’s Day to show
her how much we cared.

Hence, the Friday before Mother’s Day, after school but
before Mom got home, we would all walk the mile to the grocery store, use our
stacks of quarters (from returning bottles to the store, and occasional
babysitting) to purchase the boxes of white cake mix and two cans of chocolate
frosting – to make our mother’s favorite kind of cake.

Arriving home from the store my sister took charge,
instructing my younger brother and I how to mix the cake batter. Inevitably I
would let part of an eggshell fall into the batter, but my ever-observant sister
would be there to extricate the shell before it disappeared out of view. As the
milk was added and the concoction stirred, my little brother would begin
dipping his finger into the mix and tasting the scrumptious batter – but not
too often lest my older sister intervene.

Into the oven the four round pans of cake batter would then
go. We waited anxiously for the mixture to cook. Finally, after what seemed
like forever, the pans emerged. My sister waited a bit, and then turned the
pans over to let each cake fall onto a rack to cool.

My sister implored us to wait even more, to permit the cakes
to cool. But, being young and impatient, my brother and I urged our sister to
proceed with the stacking of the four cakes into a four-layer cake, with
frosting in-between and all around. So, with some trepidation my sister began.

The top of the first white cake layer was covered with
chocolate frosting, and then the second cake was laid on top. This was repeated
again, and then again. With all four layers in place, we each then took turns
to spread the remaining chocolate frosting on the top and sides of the cake.

And then it happened. Perhaps it should have been expected. Perhaps
it should have been foreseen. Perhaps it was even inevitable. But, for all
three of us, what happened was both an startling and devastating blow.

One portion of one of the layers of cake collapsed.
Compressed, you might say. And we were left with a four-layer cake on one side,
and what appeared to be a three-layer cake on the other side. Sloped … to the
extreme.

We wondered what we should we do. But then my sister, ever
the ingenious one, quickly came up with the answer. “Ron, quick, take this
money and go get three more cans of frosting from the store.”

So I ran, for I knew that in a half-hour or so Mom would be
home. To the store, into the store, grabbing three cans of the same chocolate
frosting we had previously purchased, proceeding through the check-out stand (and
catching my breath), and then running home.

Upon arrival, my sister, of course, admonished: “What took
you so long?” (I’d like to have seen her run
a mile to the store and back in such a short time.) But time did not permit a
reply, for Mom was due home in just ten more minutes.

Quickly my sister opened up the can of frosting and began
applying the additional frosting to the cake. Layer after layer she applied, and then repeated by adding more from the second can of frosting. And then ... presto! The previously sloped cake had magically been transformed into a
nice, round, level four-layer cake.

The cake was slipped into the Tupperware container, then
into the refrigerator, to await its Sunday afternoon consumption. Unlike many
cakes in our house which awaited later consumption, no corners were cut from this cake, nor were any anonymous slivers
taken from its edges, prior to the big unveiling.

On Mother’s Day afternoon, the time came for giving Mom our
cards and presents. We couldn’t afford much, so this year the presents were
“I.O.U.’s.” Such as “I owe you one car wash. Love, Ron.” And more promises of
how we would help out around the house. (I think my mother still has many of these
I.O.U.’s, 45 years later, and will soon seek to cash them in.)

Then the time arrived for the cutting of the cake. Mom
proclaimed how beautiful the cake was, as she reached for the large cake knife.
My sister tried to swivel the cake around, so mother was cutting into the side that
had not fallen, but my mother would not let my sister complete the task.

In the knife went, and then again. My mother brought a plate
near, and then slowly lifted the first slice from the cake out and placed it on
the plate. “Oh, dear,” she said. “This is interesting.”

Perhaps interesting was not the right word. For three layers
of cake appeared in the slice, with a fourth layer, more than an inch wide, of
nothing but chocolate frosting. “What did you do?” asked my mother.

Then, the story was told, each of the three of us adding in a part, and our own perspectives. The brothers' urging to frost the cake
before it had thoroughly cooled. The "reluctant" early application of the frosting. The moment of the falling. My rushed journey to the store. The
construction of the edifice, and the restoration of the cake to a round, level
appearance.

My mother smiled. She reached out and gave each of her
children a hug, and proclaimed, “This is the best cake ever!”

And it was.

For never had then been made a cake before, nor a cake ever
made since, with so much delicious frosting. Nor with so much love.

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About the Author

Ron A. Rhoades, JD, CFP® sailed across the Atlantic on a tall ship, performed in theme parks and road shows in Europe and America as a Disney character, rowed on a championship crew team, marched in the Macy’s Thanksgiving Day Parade, marched in competition with a state-champion rifle drill team, undertook a solo one-week trip into the Everglades, escorted numerous celebrities around Central Florida, performed as a “Tin Man” at a mountaintop theme park called “The Land of Oz” in Beech Mountain, NC, and served as a stage manager and talent scheduling coordinator for entertainment productions at Walt Disney World. And then he graduated college.

Since then, Ron Rhoades earned his Juris Doctor degree, with honors, from the University of Florida College of Law, which was preceded by a B.S.B.A. from Florida Southern College. Ron Rhoades has 30 years of experience as an attorney, with nearly all of those years substantially devoted to estate planning, tax planning, and retirement plan distribution planning. Ron also has over 15 years as a personal financial adviser. He was a principal with an investment advisory firm where he served as its Director of Research and Chair of its Investment Committee.

The author of numerous articles published in financial industry publications and several books, Dr. Rhoades has been quoted in numerous consumer and trade publications, and has been interviewed on Bloomberg's "Masters in Business" radio show segment. He writes occasional articles for industry publications. Ron is a frequent speaker at local FPA chapter meetings and national conferences in the financial planning and investment advisory professions.

Ron Rhoades was the recipient of The Tamar Frankel Fiduciary of the Year Award for 2011, from The Committee for the Fiduciary Standard, as he “altered the course of the fiduciary discussion in Washington.” He was also named as one of the Top 25 Most Influential persons associated with the investment advisory profession in 2011 by Investment Advisor magazine, and was voted to the “Sweet 16 Most Influential” in Wealth Management’s 2013 “March Madness” competition. Dr. Rhoades was also named as one of the "Top 30 Most Influential" members in NAPFA's 30-year history in 2013. This blog was also called one of the "Top 25 Most Dangerous" in financial services.

Ron A. Rhoades, JD, CFP® became Program Director for the Financial Planning Program (B.S. Finance, Financial Planning Track) at Western Kentucky University's Gordon Ford School of Business in July 2015. He provides instruction to highly motivated, exceptional undergraduates students in such courses as Applied Investments, Retirement Planning, Estate Planning, and the Personal Financial Planning Capstone course. He has previously taught courses in Insurance & Risk Management, Employee Benefits, Money & Banking, Advanced Investments, and Business Law I and II.

Ron also serves on the Steering Committee of The Committee for the Fiduciary Standard, on whose behalf he frequently travels to Washington, D.C. to meet with policy makers in Congress and in government agencies regarding the application of the fiduciary standard to personalized investment advice.